Caliber Home Loans provides a pitch for 5 reasons to work with them: 1) Their proprietary technology platform empowers loan consultants with mobile apps and marketing tools. 2) Their operations team provides extensive support for transitions, marketing, and loan processing. 3) They offer a wide array of loan products beyond conventional loans. 4) They service over 90% of originated loans, allowing loan consultants to retain customers long-term. 5) As a large and stable company, Caliber can provide the institutional support needed for growth.

1. The Unofficially Official
TOP FIVEReasons to come work at Caliber Home Loans, Inc.

2. Thank you for reading
yet another pitch book.
972-467-2343 • james.hecht@caliberhomeloans.com
James Hecht, EVP of Retail Lending FPO
JOINCALIBERNOW.COMHOME OF THE MODERN MORTGAGE LENDER Caliber Home Loans, Inc., 1525 S. Beltline Rd., Coppell, TX 75019 (NMLS #15622). Copyright © 2019. All Rights Reserved. Equal Housing Lender.
For real estate and lending professionals only and not for distribution to consumers. Distribution to the general public is prohibited.
I think you will agree that these five reasons aren’t the same five reasons
from other pitches you may have seen this month. Once you meet our team,
you’ll see that we do things a little differently around here.
If you have any questions (now or in the future), give me a ring on my cell
below or shoot me a note—I’d love to talk.

3. The best technology in the world can’t turn a
weak Loan Consultant into a good one.
But it can turn a good one into a legend.
1T E C H N O L O G Y
HOME OF THE MODERN MORTGAGE LENDER
Caliber Home Loans, Inc., 1525 S. Beltline Rd., Coppell, TX 75019 (NMLS #15622). Copyright © 2019. All Rights Reserved. Equal Housing Lender.
For real estate and lending professionals only and not for distribution to consumers. Distribution to the general public is prohibited.

4. TECHNOLOGY
Our technology wasn’t rushed through to
check off a box.
We believe that technology can empower Loan Consultants to deliver superior service, reduce complexity in their jobs
and work smarter. Caliber’s platform was inspired by the people that actually use it—Loan Officers—and includes a
proprietary LOS and mobile-friendly consumer applications, with mobile apps that seamlessly integrate with it, and a
marketing portal that helps our Loan Consultants promote Caliber’s products and services. If your company and its
technology aren’t helping you grow your business, we’re ready to talk.
H2Online Loan Origination System
H2Online (H2O) is our proprietary loan origination system that helps you deliver efficient turn times so you can
provide your clients with best-in-class service. The system is web-based and easily accessible in or out of the
office. A mobile app also exists for you and your business partners to stay connected.
Mobile-Friendly Consumer Application
We designed our online application and consumer mobile app so that your borrowers will always have
an easy-to-use experience. And best of all, it seamlessly integrates with H2O.
CaliberAMP
CaliberAMP is our online marketing portal that helps you promote Caliber’s services and products. From assets like flyers and
brochures to customer contact campaigns to content for social media, we’ve got your back when it comes to marketing yourself.
JOINCALIBERNOW.COMHOME OF THE MODERN MORTGAGE LENDER Caliber Home Loans, Inc., 1525 S. Beltline Rd., Coppell, TX 75019 (NMLS #15622). Copyright © 2019. All Rights Reserved. Equal Housing Lender.
For real estate and lending professionals only and not for distribution to consumers. Distribution to the general public is prohibited.

5. If you’re as good as we know you are,
your support team should be too.
A staff of experts backing your transition, your marketing and your retention efforts.
Folks at every touchpoint every bit as dedicated to their work as you are to yours.
If that sounds hard to imagine, it might be time for a change.
2O P E R A T I O N S
HOME OF THE MODERN MORTGAGE LENDER
Caliber Home Loans, Inc., 1525 S. Beltline Rd., Coppell, TX 75019 (NMLS #15622). Copyright © 2019. All Rights Reserved. Equal Housing Lender.
For real estate and lending professionals only and not for distribution to consumers. Distribution to the general public is prohibited.

6. OPERATIONS
Support for every need.
Here, support doesn’t just mean a brand-new binder with an employee manual. We have teams
to help you transition your client list. Teams to get your new marketing platform online pronto.
And systems for streamlining your retention efforts, which, after all, are our retention efforts.
If you’re serious about this, you deserve people around you who are just as serious.
Close on time. Every time.
• Decentralized, local processing and closing
• Regionally aligned Underwriters are authorized to underwrite all loan types, including Bond,
Jumbo and Portfolio products
• Underwriting up front with full credit review on TBD properties
• Ability to discuss scenarios directly with an Underwriter
• Our seasoned Condo team can assist you with financing for both warrantable and non-warrantable
condos, which includes all types of project reviews
• Collaborative prioritization of pipeline ensures loans close on time
• Hybrid eClosing makes the closing process more efficient for your customers
JOINCALIBERNOW.COMHOME OF THE MODERN MORTGAGE LENDER Caliber Home Loans, Inc., 1525 S. Beltline Rd., Coppell, TX 75019 (NMLS #15622). Copyright © 2019. All Rights Reserved. Equal Housing Lender.
For real estate and lending professionals only and not for distribution to consumers. Distribution to the general public is prohibited.

7. Feel free to keep pushing the
same old loan products.
3
But imagine how much more you could do with us.
P R O D U C T
HOME OF THE MODERN MORTGAGE LENDER
Caliber Home Loans, Inc., 1525 S. Beltline Rd., Coppell, TX 75019 (NMLS #15622). Copyright © 2019. All Rights Reserved. Equal Housing Lender.
For real estate and lending professionals only and not for distribution to consumers. Distribution to the general public is prohibited.

8. More products, more opportunities to sell.
In addition to a full array of conventional and government-insured loans, we provide Loan Consultants
with our proprietary portfolio lending suite of loan products. This enables you to provide innovative
solutions to borrowers who can demonstrate ability to repay, but may not qualify for conventional or
government-insured loan products. This is an absolute game changer.
Our growing inventory of mortgage products currently includes:
• Caliber Portfolio Lending (our own portfolio lending suite of non-agency products that offers
expanded guidelines and ratios to qualified buyers)
• Jumbo loans for up to $3 million
• Financing for new construction
• Lock & Shop for TBD buyers
• Non-warrantable condo financing
• USDA Guaranteed Rural Housing loans
• FHA/VA
• Bond products
• Builder rate cap long-term locks
PRODUCT
JOINCALIBERNOW.COMHOME OF THE MODERN MORTGAGE LENDER Caliber Home Loans, Inc., 1525 S. Beltline Rd., Coppell, TX 75019 (NMLS #15622). Copyright © 2019. All Rights Reserved. Equal Housing Lender.
For real estate and lending professionals only and not for distribution to consumers. Distribution to the general public is prohibited.

9. You land the clients.
We help you keep them.
4
We’re working hard to create an experience for our customers
throughout their entire homeownership journey.
The evidence: We keep more loans than anyone else in the business.
You make the deals, we do all the stuff that comes after.
S E R V I C I N G
HOME OF THE MODERN MORTGAGE LENDER
Caliber Home Loans, Inc., 1525 S. Beltline Rd., Coppell, TX 75019 (NMLS #15622). Copyright © 2019. All Rights Reserved. Equal Housing Lender.
For real estate and lending professionals only and not for distribution to consumers. Distribution to the general public is prohibited.

10. Creating lenders for life.
Closing is just the beginning
We’re redefining the customer’s lending experience. Caliber is a loan originator and servicer.
We service over 90% of the loans we originate.
Retain more customers
Buying a home is a major financial commitment, and the origination process can be initially stressful to
some borrowers. The knowledge that their loan will likely be smoothly transferred to our servicing after
closing—instead of ending up with an unknown servicer—is good news for these borrowers.
Build relationships
Your contact information will appear on the monthly statements of the loans you close, reminding your
borrowers that you’re available to assist any friends or family members they refer to you.
SERVICING
JOINCALIBERNOW.COMHOME OF THE MODERN MORTGAGE LENDER Caliber Home Loans, Inc., 1525 S. Beltline Rd., Coppell, TX 75019 (NMLS #15622). Copyright © 2019. All Rights Reserved. Equal Housing Lender.
For real estate and lending professionals only and not for distribution to consumers. Distribution to the general public is prohibited.

11. The back room works as hard as
you do. So does the technology.
And the C-suite. No, really.
5
You’re only as good as your origination, servicing and operations teams. So if
you see more top producers in the industry moving to one place, you can safely
assume it’s because that place has the best of the best backing them.
C O M P A N Y
HOME OF THE MODERN MORTGAGE LENDER
Caliber Home Loans, Inc., 1525 S. Beltline Rd., Coppell, TX 75019 (NMLS #15622). Copyright © 2019. All Rights Reserved. Equal Housing Lender.
For real estate and lending professionals only and not for distribution to consumers. Distribution to the general public is prohibited.

12. Retail dominates Caliber’s overall business and that focus is baked into
the culture. Caliber was intentionally designed and built to succeed in
the purchase market. We originate and service loans, which means we
can help our Loan Consultants stay in touch with their past clients.
When it comes to stability, Caliber Home Loans stands firm.
We’re backed by several billion in capital investments, which
puts us in a strong position for long-term growth.
• #2 Top Overall Volume Scotsman Guide’s Top Mortgage Lenders, 2018
• #2 Non-Bank VA Loan Purchase Lender Inside Mortgage Finance, 2018
• Voted #3 Best Company to Work For Mortgage Executive Magazine, 2018
• #3 Top Government Producer Inside Mortgage Finance, 2018
• Over $150.4 billion in servicing
• ABOVE AVERAGE rating from S&P Global Ratings
Retail-focused culture.
Financial strength.
COMPANY
JOINCALIBERNOW.COM
AWARDS & RECOGNITION
HOME OF THE MODERN MORTGAGE LENDER Caliber Home Loans, Inc., 1525 S. Beltline Rd., Coppell, TX 75019 (NMLS #15622). Copyright © 2019. All Rights Reserved. Equal Housing Lender.
For real estate and lending professionals only and not for distribution to consumers. Distribution to the general public is prohibited.

13. Give me a call today.
For even more information, visit joincalibernow.com.
HOME OF THE MODERN MORTGAGE LENDER
Caliber Home Loans, Inc., 1525 S. Beltline Rd., Coppell, TX 75019 (NMLS #15622). Copyright © 2019. All Rights Reserved. Equal Housing Lender.
For real estate and lending professionals only and not for distribution to consumers. Distribution to the general public is prohibited.